Are you looking for the best cash envelope wallet? It’s no surprise how popular the envelope budgeting system is. Not only does it help you track your expenses, improve your financial discipline and help hold yourself accountable, it also helps prevent you from overspending.
However, if you’re serious about the envelope method, getting a cash envelope wallet is super important. Not only is it critical to your budgeting success, it’s also much better than keeping all your cash in individual envelopes.
With that said, in this post, we’ll discuss what exactly a cash envelope wallet is, cover the 15 best you should consider, and much more.
What Is a Cash Envelope Wallet?
A cash envelope wallet is a stylish way to use the envelope budgeting method instead of carrying around a bunch of individual envelopes.
Not only does the typical envelope not fit in a wallet or many purses, envelopes are also quite ugly. Thankfully, stylish cash envelope wallets are a thing!
A cash envelope wallet includes several sections for cash of your preferred spending categories. Considering this, a cash envelope wallet is a great way to keep all your cash safe, secure and in one place.
Many cash envelope wallets also come with other features like card slots, a zippered coin pouch, a wristlet strap, RFID blocking technology and much more.
Best Cash Envelope Wallets
Now that you know exactly what a cash envelope wallet is and the benefits of using one, here is a list of the 15 best that you should consider.
As you scan the list, note their features to determine which one is best for you and your style.
1. Rachel Cruze Wallet
Created by Dave Ramsey’s daughter, the Rachel Cruze Wallet is, “The first-ever genuine leather wallet with integrated cash-envelope system” and is available in brown, black, and camel.
The wallet has four sections for cash of your preferred spending categories.
While it is somewhat pricey, its quality makes it worth the cost. It also has a wonderful social mission behind it. Cruze partnered with JOYN, a fair-trade organization that provides empowering and safe jobs to people of vulnerable communities in India.
Because of this, each wallet crafted gives fair-trade jobs and hope to the people of these communities.
Wallet Features:
- External zipper
- 10 card slots
- Detachable wristlet strap
- Zippered coin/receipt pouch
Check out the Rachel Cruze Wallet here.
2. Cash Envelopes Notebook Wallet
Created by Rnairni, the Cash Envelopes Notebook Wallet is a RFID blocking wallet and is available in black and blue.
The wallet has 12 envelope sections for cash of your preferred spending categories. Because of everything it includes, this wallet is perfect for successful budgeting.
Unlike a few other cash envelope wallets on our list, it is also large enough to fit your phone and even a checkbook.
Wallet Features:
- 12 budgeting sheets
- Yearly calendar
- Monthly calendar
- Monthly budget
- 14 sticker labels
- External zipper
- Wristlet strap
- Ruler
Check out the Cash Envelopes Notebook Wallet here.
3. Bella Taylor Cash System Wallet
Created by Bella Taylor, the Bella Taylor Cash System Wallet is a microfiber wallet that is available in many different colors and designs.
The wallet has 8 envelope sections that are 1″ taller than U.S. bills, so that your money stays well-secured and out of sight.
While the price varies by wallet, their best selling wallet is just $39.95, which is reasonable considering its microfiber design and many features.
Wallet Features:
- Zippered section for cash
- Labeled envelopes
- Turnlock section
- 2 additional slots
- 6 card slots and 2 ID windows
- Pen loop
- Zippered coin pouch
- Detachable wristlet strap
- RFID blocking technology
Check out Bella Taylor Cash System Wallets here.
4. Divvy Up The Savvy Spender Wallet
Created by Divvy Up, The Savvy Spender Wallet is a clutch-size foldover wallet that is only available in black with pink trim.
The wallet has 5 fabric nylon envelopes that are magnetic, for cash of your preferred spending categories. Being magnetic, you’ll be able to easily add or remove cash categories.
While it does have room for a phone of just about any size and even a checkbook, the wallet may be too big for some.
Wallet Features:
- Magnetic fabric envelopes
- Black adhesive labels
- Budget sheets
- 12 card slots
- Zippered coin pouch
- Space for phone
Check out the Savvy Spender Wallet here.
5. Dave Ramsey Envelope System Wallet
Created by Dave Ramsey, author of The Total Money Makeover and Baby Steps Millionaires, the Dave Ramsey Envelope System Wallet is an imitation leather wallet that is available in sleek black.
The wallet has several envelope sections for cash of your preferred spending categories.
Unfortunately, it doesn’t have more than 1 card slot, meaning there won’t be room for multiple debit cards, your dental card, health insurance card, and so on.
Wallet Features:
- Card holder
- Memo and check register pads
- Space for your checkbook
- Space for a pen
- PDF guide to using the envelope system
Check out the Dave Ramsey Envelope System Wallet here.
6. SavvyCents Wallet
Created by SavvyCents, the SavvyCents Wallet is a clutch-style vinyl fabric cash envelope system wallet that comes in a wide variety of colors like bronze, plaid, neutrals, floral patterned, and much more.
The wallet has 5 envelope sections for cash of your preferred spending categories.
Because it’s priced on the lower end, it’s may just be the best cash envelope wallet for someone who wants an inexpensive option.
Wallet Features:
- External zipper
- Separate zippered section for cash
- Customizable envelope tabs
- Concealed wristlet strap
- Several card slots
- 2 ID windows
Check out the Savvy Cents Wallet here.
7. Soligt All-in-One Cash Envelopes Wallet
Created by Soligt, the Soligt Cash Envelopes Wallet is an all-in-one faux leather wallet that is available in red or black.
The wallet has 12 envelope sections for cash of your preferred spending categories, which is more than most other wallets on our list.
Considering this, this wallet is a great option for anyone who wants envelope sections for many, if not most, of their budget categories. It’s also very affordable, at only $16.99.
Wallet Features:
- External zipper
- 12 budget sheets
- Binder ring
- 6 card slots
- Space for a pen
Check out the Soligt All-in-One Cash Envelopes Wallet here.
8. Cash Envelope Wallet Organizer for Women
Created by Saveyon, the Cash Envelope Wallet Organizer for Women is an RFID blocking cash envelope budgeting system wallet that is available in black.
The wallet has 12 plastic three-hole punched envelopes for cash of your preferred spending categories. Unlike paper envelopes, these plastic envelopes are meant to last.
While this wallet is on the pricier side, if you like supporting small business, it’s a great option, as Saveyon is a family-run business.
Wallet Features:
- 12 budgeting sheets
- Yearly calendar
- Envelope labels
- 12 card slots
- 1 ID window
- Zippered coin pouch
- Detachable wristlet strap
- Binder ring
- Room for a pen
Check out the Cash Envelope Wallet Organizer for Women here.
9. Three Way Cut Budget System Wallet
Created by Three Way Cut, the Three Way Cut Budget System Wallet is a All in One RFID blocking cash envelope leather wallet that is available in black, red, brown, and sky azure.
The wallet has 12 envelopes for cash of your preferred spending categories. These envelopes are held by the internal binder, so you’re sure not to lose them.
Simply put, if you’re looking for an affordable, all-in-one cash envelope wallet that is sleek, this is a great option.
Wallet Features:
- 12 card slots
- 1 ID window
- Budget sheets
- Binder ring
- Detachable wristlet strap
- Built in coin pouch
- Pen loop
Check out the Three Way Cut Budget System Wallet here.
10. Magicfly Cash Envelope Wallet
Created by Magicfly, the Magicfly Cash Envelope Wallet is an all-in-one budget system wallet that is available in black.
The wallet has 12 envelope sections for cash of your preferred spending categories.
Because of everything this wallet includes, being lightweight and waterproof, and costing less than $20, this wallet is an absolute steal.
Wallet Features:
- 12 budget sheets
- Adhesive labels
- Lightweight and waterproof
- External zipper
- Binder ring
Check out the Magicfly Cash Envelope wallet here.
11. Kate Spade Leather Wallet
Created by Kate Spade New York, this wallet is a Saffiano leather wallet that is available in black.
While this wallet isn’t billed as a cash envelope wallet, it does have 3 billfold sections, which is great for someone who only has a few cash categories. However, you can add inserts to make more cash sections.
With that said, this wallet is a great option for someone who wants to have a higher-end wallet on a budget.
Wallet Features:
- 12 card slots
- External zipper
- Zippered coin pouch
- Wristlet strap
- Side pocket
Check out the Kate Spade Leather Wallet here.
12. Mou Meraki Women Leather Wallet
Created by Mou Meraki, the Mou Meraki Women Wallet is an RFID blocking genuine leather wallet that is available in many different colors.
While this wallet isn’t billed as a cash envelope wallet, it will work with the conventional envelope budgeting system. The wallet has two large open slots that can hold several cash envelopes. It’s also a great option if you only have 2 cash categories.
Wallet Features:
- Countless card slots
- 1 ID window
- Zippered coin pouch
- Room for phone
- RFID blocking technology
Check out the Mou Meraki Women Leather Wallet here.
13. Cash Envelopes for Budget System Wallet
Created by Hommie, the Cash Envelopes for Budget System Wallet isn’t exactly a wallet, meaning it lacks standard wallet features like card slots. Instead, it’s more of a pouch that is meant to fit inside a purse or bag.
This is a great option for someone who already likes the wallet they have and aren’t interested in making a switch.
The pink pouch comes with 12 tear and water-resistant envelopes for cash of your preferred spending categories.
At under $20, this is a great envelope budgeting system in addition to a standard wallet.
Wallet Features:
- Pink carrying pouch
- 12 tear and water-resistant envelopes
- 15 expense tracking budget sheets
- 24 sticker labels
Check out the Cash Envelopes for Budget System Wallet here.
14. Bveyzi Cash Envelope Wallet
Created by Bveyzi, the Bveyzi Leather Cash Envelope Wallet is an RFID blocking wristlet wallet that is available in several colors.
While this wallet is the last of three wallets on our list that aren’t billed as cash envelope wallets, it does have plenty of room for countless envelopes.
However, because of its size, it may not be a practical everyday wallet unless you have a large purse. Considering this, it’s a great option for travel.
Wallet Features:
- 17 card slots
- 1 ID window
- External zipper
- 2 zippered side pockets
- Space for a phone
- Space for a checkbook
- Pen holder
Check out the Bveyzi Cash Envelope Wallet here.
15. Tyvek Cash Envelope Wallet for Women
Created by Budget Keeper, the Cash Envelope Wallet for Women is a Tyvek material cash envelope wallet that is available in blue.
The wallet has five sections for cash of your preferred spending categories.
With that said, it is a very minimalistic wallet. For example, it doesn’t have any ID window. However, it does have card slots.
Considering this, it’s a great wallet for someone with five or less cash categories that wants a lightweight and minimalistic option.
Wallet Features:
- 5 sections for cash
- Detachable wristlet strap
- Snap closure
- Water and stain-resistant
- Lightweight
Check out the Tyvek Cash Envelope Wallet for Women here.
Cash Envelope Wallet FAQs
Here are a few frequently asked questions relating to cash envelope wallets:
Are Cash Envelopes Good?
Yes, cash envelopes are a great way to use the cash envelope budgeting method. However, instead of carrying around individual envelopes, you should purchase one of the wallets mentioned above instead.
By providing several sections for your preferred spending categories, they are a great way to keep all your cash safe, secure and in one place.
How Do You Use a Cash Envelope Wallet?
To use a cash envelope wallet, first begin by choosing the right cash envelope wallet system.
The system you choose should have a minimum of 4 sections for your preferred spending categories, room to accommodate other necessary items like coins, other features like an external zipper, and so on.
Once you have chosen the right cash envelope wallet system, you need to choose your budget categories that make sense to have a cash envelope for.
For instance, you probably shouldn’t have an envelope for expenses like rent because you may not use cash to pay for it anyways. Simply put, choose the categories that make sense for your own situation.
Now that you have chosen which spending categories you’re going to use the envelope system for, you need to decide how much money you’re going to put in each category.
If you already follow a budget, you should have a good idea of these amounts. If not, take time to review your spending patterns and create a budget.
After you have determined the amounts you’re going to put in each category, go to the bank at the beginning of each month to withdrawal the exact amounts and then put them into your wallet’s cash sections.
Once you have spent all the money in a specific section, you can no longer spend in that budget category until the next month. This will help prevent you from overspending and much more.
What Cash Envelopes Should I Have?
The cash envelopes you should have in your wallet are ones for your primary budget categories.
Examples of cash envelope sections you may want in your wallet include:
- Food: groceries, restaurants, pet food
- Household items: cleaning supplies, toiletries, detergent, etc.
- Personal: haircuts, etc.
- Transportation: gas, parking fees, etc.
- Clothing: clothes, shoes, etc.
- Entertainment: movies, concerts, games, etc.
- Gifts: birthdays, anniversaries, holidays, etc.
- Miscellaneous: discretionary expenses, etc.
Keep in mind that you don’t have to have envelopes for all of these categories. It just depends on your individual situation. You may even want envelopes for budget categories not mentioned on the list above.
Simply put, review your budget and determine which categories make the most sense to have cash sections for in your wallet.
How Do You Make a Wallet Out of Cash Envelopes?
Are you not interested in one of the wallets mentioned above or simply don’t want to spend the money to buy one? If you make one yourself, you may be able to save some money.
To make a wallet out of cash envelopes, you will need a:
- Laminator
- Laminating sheets
- Adjustable 6 hole punch
- Paper cutter
- Filofax Personal Finsbury Planner
- Soligt All-in-One Planner
- Label maker
- Labels
With that said, here is a video by AlexandraBudgets to help you get a better idea of how to make your own cash envelope wallet:
Final Thoughts on the Best Cash Envelope Wallet
Not only will using the envelope budgeting system help you track your expenses, improve your financial discipline and hold yourself accountable, it will also help you stop overspending.
However, who really wants to carry around a bunch of individual envelopes? Not only are they ugly, the typical envelope doesn’t fit into a wallet. That’s where these wallets come into play.
Not only will a cash envelope wallet help you be stylish while using the envelope budgeting system, it will also provide a single place to keep your cash safe and secure.
To pick the right wallet for you, consider which cash envelope system you’re going to use, how many sections you will need for cash of your preferred spending categories, and what additional features you want the wallet to have.
